Wear, Tear & Depreciation

Most travel policies will pay out for insured items that are lost or stolen. However, the payment made will reflect the current value of the item, taking into account wear, tear and depreciation from the date it was purchased.

Description

Age of Product

Age of Product

Age of Product

Age of Product

Age of Product

Age of Product

Age of Product

Age of Product

Age of Product

Age of Product

Clothes

0-6 Months

6-12 Months

12-18 Months

18-24 Months

24-30 Months

30-36 Months

36-42 Months

42-48 Months

48-60 Months

Over 60 Months

General clothing (Trousers, tops etc)

0%

20%

40%

60%

80%

100%

100%

100%

100%

100%

Underwear

0%

50%

100%

100%

100%

100%

100%

100%

100%

100%

Outerwear (coats, jackets, etc)

0%

15%

30%

45%

60%

75%

90%

100%

100%

100%

Hats

0%

15%

30%

45%

60%

75%

90%

100%

100%

100%

Socks

0%

50%

100%

100%

100%

100%

100%

100%

100%

100%

Stockings

0%

50%

100%

100%

100%

100%

100%

100%

100%

100%

Belts

0%

15%

30%

45%

60%

75%

90%

100%

100%

100%

Braces

0%

15%

30%

45%

60%

75%

90%

100%

100%

100%

Cosmetics and toiletries (excluding items considered as “Duty Free”)

0-6 Months

6-12 Months

12-18 Months

18-24 Months

24-30 Months

30-36 Months

36-42 Months

42-48 Months

48-60 Months

Over 60 Months

Make-Up

25%

50%

100%

100%

100%

100%

100%

100%

100%

100%

Hair products

25%

50%

100%

100%

100%

100%

100%

100%

100%

100%

Perfumes / Deodorants

25%

50%

100%

100%

100%

100%

100%

100%

100%

100%

Creams / Lotions

25%

50%

100%

100%

100%

100%

100%

100%

100%

100%

Brushes / Combs

25%

50%

100%

100%

100%

100%

100%

100%

100%

100%

Toothbrushes / Toothpastes / Mouthwashes

25%

50%

100%

100%

100%

100%

100%

100%

100%

100%

Luggage

0-6 Months

6-12 Months

12-18 Months

18-24 Months

24-30 Months

30-36 Months

36-42 Months

42-48 Months

48-60 Months

Over 60 Months

Handbags

0%

10%

20%

30%

40%

50%

60%

70%

80%

100%

Suitcases

0%

10%

20%

30%

40%

50%

60%

70%

80%

100%

Holdalls

0%

10%

20%

30%

40%

50%

60%

70%

80%

100%

Rucksacks

0%

10%

20%

30%

40%

50%

60%

70%

80%

100%

Briefcases

0%

10%

20%

30%

40%

50%

60%

70%

80%

100%

Electrical items & photographic equipment (any item requiring power, either from the mains or from a battery, and any equipment used with them)

0-6 Months

6-12 Months

12-18 Months

18-24 Months

24-30 Months

30-36 Months

36-42 Months

42-48 Months

48-60 Months

Over 60 Months

General electrical items

0%

10%

20%

30%

40%

50%

60%

70%

80%

100%

Laptops, computers, Ipads, Mac, Web books etc

0%

20%

40%

60%

60%

80%

100%

100%

100%

100%

Ipods, MP3 players, Diskplayers etc

0%

15.50%

25%

37.50%

50%

62.50%

75%

87.50%

100%

100%

Games consoles and games

0%

15.50%

25%

37.50%

50%

62.50%

75%

87.50%

100%

100%

Digital Cameras and memory cards

0%

15.50%

25%

37.50%

50%

62.50%

75%

87.50%

100%

100%

Disc, cassette and film cameras, camcorders

0%

15.50%

25%

37.50%

50%

62.50%

75%

87.50%

100%

100%

Used discs, cassettes and films

0%

100%

100%

100%

100%

100%

100%

100%

100%

100%

Satellite Navigation Equipment

0%

20%

40%

60%

80%

100%

100%

100%

100%

100%

Mobile telephones, accessories and call charges

0%

10%

20%

30%

40%

50%

60%

70%

80%

100%

Drones

0%

20%

40%

60%

80%

100%

100%

100%

100%

100%

Fine Jewellery and watches (made of, or containing any precious or semi-precious stones or metal)

0-6 Months

6-12 Months

12-18 Months

18-24 Months

24-30 Months

30-36 Months

36-42 Months

42-48 Months

48-60 Months

Over 60 Months

Rings

0%

20%

40%

60%

80%

100%

100%

100%

100%

100%

Watches

0%

20%

40%

60%

80%

100%

100%

100%

100%

100%

Necklaces

0%

20%

40%

60%

80%

100%

100%

100%

100%

100%

Earrings

0%

20%

40%

60%

80%

100%

100%

100%

100%

100%

Bracelets

0%

20%

40%

60%

80%

100%

100%

100%

100%

100%

Body Rings

0%

20%

40%

60%

80%

100%

100%

100%

100%

100%

Eyewear

0-6 Months

6-12 Months

12-18 Months

18-24 Months

24-30 Months

30-36 Months

36-42 Months

42-48 Months

48-60 Months

Over 60 Months

Spectacles

0%

15%

30%

45%

60%

75%

90%

100%

100%

100%

Sunglasses / Prescription Spectacles

0%

20%

40%

60%

80%

100%

100%

100%

100%

100%

Binoculars and telescopes

0%

5%

10%

15%

20%

25%

30%

35%

50%

75%

Footwear

0-6 Months

6-12 Months

12-18 Months

18-24 Months

24-30 Months

30-36 Months

36-42 Months

42-48 Months

48-60 Months

Over 60 Months

Boots

0%

50%

75%

100%

100%

100%

100%

100%

100%

100%

Shoes

0%

20%

40%

60%

80%

100%

100%

100%

100%

100%

Trainers

0%

5%

10%

15%

20%

25%

30%

35%

50%

75%

Sandals

0%

20%

40%

60%

80%

100%

100%

100%

100%

100%

Winter sports equipment (If not standard, only applicable when additional premium has been paid)

0-6 Months

6-12 Months

12-18 Months

18-24 Months

24-30 Months

30-36 Months

36-42 Months

42-48 Months

48-60 Months

Over 60 Months

Skis / Snowboards

0%

40%

45%

50%

55%

60%

70%

80%

90%

100%

Ski suits

0%

15%

30%

45%

60%

75%

90%

100%

100%

100%

Ski boots

0%

15%

30%

45%

60%

75%

90%

100%

100%

100%

Golf equipment (If not standard, only applicable when additional premium has been paid)

0-6 Months

6-12 Months

12-18 Months

18-24 Months

24-30 Months

30-36 Months

36-42 Months

42-48 Months

48-60 Months

Over 60 Months

Golf clubs and woods

0%

20%

40%

60%

80%

100%

100%

100%

100%

100%

Golf trolley

0%

15%

30%

45%

60%

75%

90%

100%

100%

100%

Golf footwear and clothing

0%

15%

30%

45%

60%

75%

90%

100%

100%

100%

Fishing equipment (If not standard, only applicable when additional premium has been paid)

0-6 Months

6-12 Months

12-18 Months

18-24 Months

24-30 Months

30-36 Months

36-42 Months

42-48 Months

48-60 Months

Over 60 Months

Fishing lines and nets

0%

15%

30%

45%

60%

75%

90%

100%

100%

100%

Other fishing equipment (tents etc)

0%

10%

20%

30%

40%

50%

60%

70%

80%

100%

Business equipment (If not standard, only applicable when additional premium has been paid)

0-6 Months

6-12 Months

12-18 Months

18-24 Months

24-30 Months

30-36 Months

36-42 Months

42-48 Months

48-60 Months

Over 60 Months

Business equipment

0%

20%

40%

60%

80%

100%

100%

100%

100%

100%

Policyholder Quick Link

Policyholders who need to make a claim, or want to know more information about our processes should follow the link below.

Policyholders

Policyholders who need to make a claim, or want to know more information about our processes should follow the links below